Core Viewpoint - Industrial Bank reported a slight decline in operating income and a modest increase in net profit for the first three quarters of 2025, indicating a stable yet challenging financial environment [2][5]. Financial Performance - For the first three quarters of 2025, the bank achieved operating income of 161.23 billion yuan, a year-on-year decrease of 1.82% [2][5]. - The net profit attributable to shareholders was 63.08 billion yuan, reflecting a slight increase of 0.12% year-on-year [2][5]. - In Q3 alone, operating income was 50.78 billion yuan, down 0.78% year-on-year, while net profit for the same period was 19.94 billion yuan, a decrease of 0.08% [2][5]. Asset Quality - As of September 2025, the non-performing loan (NPL) ratio stood at 1.08%, an increase of 0.01 percentage points from the end of the previous year [2][8]. - The ratio of special mention loans decreased to 1.67%, down 0.04 percentage points from the end of the previous year [2][8]. - The bank reported a total NPL balance of 64.56 billion yuan, an increase of 3.08 billion yuan compared to the previous year [8]. Loan and Deposit Growth - The total assets of Industrial Bank reached 10.67 trillion yuan, growing by 1.57% from the end of the previous year [5]. - Customer loan balances amounted to 5.99 trillion yuan, reflecting a growth of 4.42% year-on-year [5]. - Customer deposits increased to 5.83 trillion yuan, a rise of 5.47% from the previous year [5]. Non-Interest Income - The bank's net fee and commission income was 20.08 billion yuan, showing a year-on-year increase of 3.79% [6]. - Other non-interest income totaled 30.19 billion yuan, which decreased by 9.28% due to market interest rate fluctuations [6]. Risk Management - The bank has maintained a provision coverage ratio of 227.81%, although this represents a decrease of 9.97 percentage points from the previous year [8]. - The bank has focused on risk management, particularly in the corporate real estate and credit card sectors, where new non-performing loans have decreased year-on-year [8][9]. Strategic Focus - The bank aims to enhance its professional service capabilities and optimize product design and business processes to improve customer experience [9].

Group 1: Core Insights - The latest performance reports from Everbright Bank, CITIC Bank, and Industrial Bank indicate a mixed financial landscape, with varying trends in revenue and net profit across these institutions [1][3]. Group 2: Everbright Bank - Everbright Bank reported a Q3 operating income of 28.352 billion yuan, a year-on-year decrease of 13.01%, and a net profit attributable to shareholders of 12.396 billion yuan, down 10.99% [1]. - For the first three quarters, the bank's operating income was 94.270 billion yuan, a decline of 7.94%, while the net profit attributable to shareholders was 37.018 billion yuan, down 3.63% [1]. Group 3: CITIC Bank - CITIC Bank achieved a Q3 operating income of 50.836 billion yuan, a year-on-year decrease of 4.43%, but a net profit attributable to shareholders of 16.913 billion yuan, which increased by 3.53% [3]. - In the first three quarters, the bank's operating income totaled 156.598 billion yuan, down 3.46%, while the net profit attributable to shareholders rose by 3.02% to 53.391 billion yuan [3]. - The bank's performance was supported by effective cost control, with business and management expenses decreasing by 4.17%, leading to a cost-to-income ratio of 28.58% [3]. Group 4: Industrial Bank - Industrial Bank reported a total operating income of 161.234 billion yuan for the first three quarters, a year-on-year decrease of 1.82%, with a net profit attributable to shareholders of 63.083 billion yuan, showing a slight increase of 0.12% [3]. - In Q3, the bank's operating income was 50.776 billion yuan, down 0.78%, and the net profit attributable to shareholders was 19.942 billion yuan, a decrease of 0.08% [3].

Group 1 - The article discusses the recent volatility in gold prices, with fluctuations reaching nearly $500 per ounce, and current spot gold prices above $3900 per ounce [1] - Several banks, including Bank of Communications and Agricultural Bank of China, are shifting to a floating mechanism for gold accumulation plans, allowing investment amounts to adjust with real-time gold prices [3][4] - The article highlights that despite the trend towards floating mechanisms, many banks still maintain fixed investment thresholds, with recent adjustments in minimum investment amounts across various banks [4][5] Group 2 - In Q3, global gold demand reached a record high of 1313 tons, a 5% year-on-year increase, with total demand exceeding $100 billion for the first time [6][8] - Central bank gold purchases have slowed but remain strong at 186 tons for the quarter, with total purchases for the year at 694 tons, consistent with the previous year [8] - The article notes a 12% decline in gold jewelry consumption, yet its total value increased by 13% to over $360 billion, indicating a shift towards lighter gold products [8]

重要内容提示： ●交易内容 A 股代码:601166 A 股简称:兴业银行 可转债代码：113052 可转债简称：兴业转债 兴业银行股份有限公司 关于给予福建省投资开发集团有限责任公司 关联交易额度的公告 公告编号:临 2025-060 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述 或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 兴业银行股份有限公司（以下简称本公司）第十一届董事会第十一次会议（临 时会议）审议同意给予福建省投资开发集团有限责任公司（以下简称福建省投资 开发集团）授信类关联交易额度人民币130亿元，非授信类关联交易额度人民币 299.67亿元，有效期3年。 ●上述日常关联交易是本公司日常业务中所发生的交易，不会对本公司本期 及未来的财务状况产生不利影响，不影响本公司的独立性。 ●上述日常关联交易无需提交股东会审议。 ●董事会审议上述关联交易议案时，关联董事陈躬仙先生已回避表决。 一、日常关联交易基本情况 （一）日常关联交易履行的审议程序 根据《银行保险机构关联交易管理办法》《上市公司独立董事管理办法》《上 海证券交易所股票上市规则》和《兴业银行股份有限公司 ...

公告编号：临2025-056 A股代码：601166 A股简称：兴业银行 可转债代码：113052 可转债简称：兴业转债 兴业银行股份有限公司 第九届监事会第九次会议（临时会议）决议公告 本公司监事会及全体监事保证本公告内容不存在任何虚假记载、误导性陈述 或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 兴业银行股份有限公司（以下简称本公司）第九届监事会第九次会议（临时 会议）于 2025 年 10 月 17 日以书面方式发出会议通知，于 10 月 29 日在福州市召 开。本次会议应出席监事 5 名，实际出席监事 5 名，其中朱青监事和孙铮监事以 视频接入方式参会，符合《中华人民共和国公司法》和本公司章程的有关规定。 2025年10月29日 一、2025 年第三季度报告；监事会认为：1.2025 年第三季度报告的编制和审 议程序符合法律、法规、公司章程和内部管理制度的有关规定。2.该报告的内容 和格式符合中国证监会和上海证券交易所的有关规定，能够真实、准确、完整地 反映公司报告期的经营管理和财务状况。3.未发现参与 2025 年第三季度报告编制 和审议的人员有违反保密规定的行为。 表决结果：同意 ...

公告编号：临2025-057 A股代码：601166 A股简称：兴业银行 可转债代码：113052 可转债简称：兴业转债 兴业银行股份有限公司 第十一届董事会第十一次会议（临时会议）决议公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述 或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 兴业银行股份有限公司（以下简称本公司）第十一届董事会第十一次会议（临 时会议）于 2025 年 10 月 17 日以书面方式发出会议通知，于 10 月 30 日在福州 市和北京市举行。本次会议应出席董事 14 名，实际出席董事 14 名，其中吕家进、 朱坤、郁华、贲圣林、王红梅、张学文、朱玉红等 7 名董事在北京会场参会；陈 信健、黄汉春、孙雄鹏等 3 名董事在福州会场参会；乔利剑、张为、陈躬仙、徐 林等 4 名董事以视频接入方式参会，符合《中华人民共和国公司法》和本公司章 程的规定。本公司 4 名监事和董事会秘书列席会议。 本次会议由董事长吕家进先生主持，审议通过了以下议案并形成决议： 一、2025 年第三季度报告；报告全文详见上海证券交易所网站。 表决结果：同意 14 票，反对 0 票， ...

公告编号：临2025-059 A股代码：601166 A股简称：兴业银行 可转债代码：113052 可转债简称：兴业转债 兴业银行股份有限公司 2025 年度中期利润分配预案公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或 者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 的净利润的比例为 30.02%。 重要内容提示： 每股派发现金红利人民币0.565元（含税）。 本次利润分配以实施权益分派股权登记日登记的本公司普通股总股本为基 数，具体股权登记日期将在权益分派实施公告中明确。在实施权益分派的股权登记 日前本公司总股本发生变动的，拟维持每股分配金额不变，相应调整分配总额，并 在权益分派实施公告中披露。 一、利润分配预案 截至 2025 年 6 月 30 日，兴业银行股份有限公司（以下简称本公司）经毕马威 华振会计师事务所（特殊普通合伙）审阅的母公司报表中期末未分配利润为人民币 5,016.63 亿元。经本公司第十一届董事会第十一次会议（临时会议）审议通过，本 公司 2025 年度中期拟以实施权益分派股权登记日登记的普通股总股本为基数分配利 润。预案如下： 1.提取法定盈 ...

Core Viewpoint - The event "Neighbor Super 'Xing' Happiness Festival" organized by Industrial Bank's Changsha branch successfully engaged the community, showcasing the bank's commitment to serving the public and enhancing the quality of life for residents through various activities and services [1][5]. Group 1: Event Highlights - The festival featured a variety of activities, including a singing competition for the elderly and a youth football match, fostering intergenerational connections and community spirit [1][3]. - The event lasted for 8 hours, demonstrating the bank's innovative approach to community engagement and financial service delivery [5]. Group 2: Community Engagement - The festival included a financial knowledge station where residents learned about fraud prevention through interactive games, making the learning process enjoyable and effective [3][5]. - Various service booths were set up, including traditional sugar painting, free medical consultations, and haircuts, creating a friendly community space that combined financial, cultural, and health services [5]. Group 3: Future Plans - The bank aims to deepen the brand development of the "Neighbor Super 'Xing' Happiness Festival" and integrate financial services with cultural experiences and community care, reinforcing its commitment to "finance for the people" [5].

Core Insights - The article highlights the successful implementation of a "loan-equity linkage" financial service model by Industrial Bank's Changsha branch, which provided a 5 million yuan loan to a technology company in Hunan, showcasing an innovative solution to the financing challenges faced by tech enterprises [1][2] Group 1: Financial Innovation - The "loan-equity linkage" model combines credit lending with equity investment, achieving a cross-cycle balance of risk and return, and offering comprehensive financial support throughout the lifecycle of technology companies [1] - This approach allows for credit approval based on the assessment of a company's core technology value and growth potential, rather than relying on traditional asset collateral [1] Group 2: Company Profile - The recipient company is a leading player in the low-code digital transformation sector, having developed the "Wanying Low-Code" platform, which integrates cloud-native and multi-end technologies, covering the entire software application lifecycle [1] - The platform has created nearly 200 industry-specific smart solutions and has served over 10 million government and enterprise clients [1] Group 3: Strategic Direction - Industrial Bank is actively responding to the call for high-quality development in the technology finance sector, aiming to establish technology finance as its "fourth business card" [2] - The bank plans to continue leveraging innovative financial tools like "loan-equity linkage" to provide multi-level financial services to more technology companies, thereby accelerating the rise of new productive forces [2]

Financial Performance - Total operating income for Q3 2025 was RMB 50,776 million, a decrease of 0.78% year-on-year[3] - Net interest income for Q3 2025 reached RMB 37,204 million, an increase of 1.38% compared to the same period last year[3] - Net profit attributable to shareholders for Q3 2025 was RMB 19,942 million, a slight decrease of 0.08% year-on-year[4] - Operating income was RMB 161.23 billion, a year-on-year decrease of 1.82%, while net profit attributable to shareholders was RMB 63.08 billion, a slight increase of 0.12%[21] - The group's net profit reached RMB 63,344 million, compared to RMB 62,970 million in the previous year, reflecting a growth of 0.6%[40] - Basic earnings per share for the group were RMB 2.85, down from RMB 2.90 in the same period last year[42] - The group reported a total comprehensive income of RMB 63,008 million, compared to RMB 66,318 million in the previous year[40] Asset and Liability Management - Total assets as of September 30, 2025, amounted to RMB 10,673,253 million, reflecting a growth of 1.57% from the end of 2024[6] - Total assets reached RMB 10.67 trillion, an increase of 1.57% compared to the end of the previous year[21] - The total liabilities amounted to RMB 9,770,788 million as of September 30, 2025, compared to RMB 9,614,287 million at the end of 2024, indicating an increase of about 1.63%[34] - The total equity attributable to shareholders was RMB 902,465 million, up from RMB 893,611 million at the end of 2024, representing a growth of approximately 0.99%[34] Loan and Deposit Growth - Total loans reached RMB 5,989,907 million, an increase of 4.42% from the end of 2024[6] - Customer loan balance was RMB 5.99 trillion, growing by 4.42% year-on-year; green loans, technology loans, and medium to long-term loans in manufacturing increased by 18.64%, 17.70%, and 13.82% respectively[21] - Customer deposit balance reached RMB 5.83 trillion, up 5.47% year-on-year, with a deposit interest rate of 1.71%, down 32 basis points year-on-year[21] Risk Management - The non-performing loan ratio increased to 1.08% as of September 30, 2025, up by 0.01 percentage points from the end of 2024[10] - Non-performing loan balance was RMB 64.56 billion, with a non-performing loan ratio of 1.08%, an increase of 0.01 percentage points from the previous year[23] - The provision coverage ratio stood at 227.81%, indicating a strong capacity to cover potential losses[23] - The group's non-performing loan ratio remained stable, indicating effective risk management strategies[38] Capital Adequacy - The capital adequacy ratio for the group stood at 11.00% as of September 30, 2025, compared to 10.90% at the end of 2024[13] - The capital adequacy ratio was 13.85%, reflecting a solid capital position[14] - The bank issued RMB 50 billion in perpetual bonds, contributing to an increase in total capital[11] - The bank issued RMB 200 billion of perpetual capital bonds to supplement its other Tier 1 capital, approved by the National Financial Regulatory Administration and the People's Bank of China[29] - The group's capital reserve increased to RMB 82,482 million from RMB 74,733 million year-on-year, indicating a strengthening of the capital base[36] Liquidity Position - The liquidity coverage ratio was 106.05%, indicating a strong liquidity position[18] - The bank's cash and deposits with the central bank amounted to RMB 322,733 million, a decrease from RMB 394,940 million at the end of 2024, reflecting a decline of approximately 18.3%[32] - The cash and cash equivalents at the end of the period amounted to RMB 449,887 million, down from RMB 459,988 million year-over-year[49] Investment Activities - The total cash inflow from investment activities was RMB 3,862,964 million, up from RMB 3,047,565 million, representing an increase of 26.7%[47] - The cash inflow from investment income was RMB 82,645 million, slightly down from RMB 88,123 million, indicating stable investment returns[47] - The net cash flow from investment activities was RMB 108,297 million, an increase from RMB 71,962 million, reflecting effective investment strategies[47] Client Growth - The number of corporate clients reached 1.6358 million, an increase of 6.53% year-on-year, with significant growth in high-value clients[24] - The net increase in customer deposits and interbank placements for the group was RMB 319,389 million, compared to RMB 140,102 million in the previous year, reflecting a significant increase of 128.3%[45] Strategic Outlook - The group plans to continue expanding its market presence and investing in new technologies to enhance service offerings[38]